Dealing with Insurance Companies After a Bicycle Accident in South Florida

Why Insurance Calls Are Risky

Insurance adjusters may sound friendly, but their goal is to pay as little as possible. If you say the wrong thing—or say too much—you could weaken your claim.

Step 1: Report the Accident Promptly, But Briefly

• Contact your insurance provider soon after the crash.

• Share basic facts only: date, time, location, parties involved.

• Avoid guessing about causes or the extent of your injuries.

Step 2: Decline Recorded Statements

• You’re not legally required to provide one without legal advice.

• Adjusters may use inconsistencies against you later.

• Politely say you’ll respond in writing or after consulting an attorney.

Step 3: Document Everything

• Keep a log of calls, emails, and letters.

• Save all repair estimates, medical bills, and receipts.

• Write down your symptoms daily—pain levels, mobility issues, and limitations.

Step 4: Don’t Rush Into a Settlement

• Early offers often cover only immediate bills, not long-term care.

• Wait until you’ve completed treatment and fully understand your prognosis.

• Once you sign, you can’t reopen the claim.

Step 5: Consider Legal Representation

• An attorney can negotiate with insurers, gather evidence, and calculate true damages—including future medical needs and lost income.

• In Florida, cyclists often have rights under both their own insurance and the driver’s policy.

How CEDA Helps

At CEDA, we treat your injuries right away—orthopedic care, pain management, rehab—and keep detailed medical documentation that strengthens your insurance claim. If you want legal help, we can connect you with an experienced personal injury attorney who understands the tactics insurers use in bicycle accident cases.